Credit cards however, can be used to get free stuff from rewards.

Credit loans or payment plans can also be used to get a higher credit score, making the first item easier.

Conversely to your example of credit making cash, Cash can make you money through investing, so Credit can also be used to keep higher amounts of cash on hand when purchases are made. , e.g., buying a car on credit and using the car money to invest. But we're saying the same thing there.